Any business needs insurance against ordinary risks such as fire, flood, and breakage.
任何企业都需要保险来防备诸如火灾、洪灾和破损等常见风险。
Insurance companies try to persuade them to cover themselves against fire.
保险公司试图劝说他们保火险。
Fire insurance was not given much thought until the Great Fire of London alerted people to the danger of combining dozy bakers and wooden houses.
在伦敦大火警示人们注意打盹的面包师傅与木结构房屋这一致命组合的危险之前，火灾保险从未受到多少重视。
Livestock prices are rising, but not as rapidly as the costs of labor, electricity for irrigation, and liability and fire insurance.
虽然牲口的价格在增长，但是却没有劳动成本，灌溉用电，债务和火灾保险的增长速度快。
Yet like fire insurance, an emergency fund is beneficial even if you never end up using it.
不过和火灾保险一样，就算你从来都不会用到应急基金，这笔钱也是有益处的。
When fire and theft premiums rise, those who really need insurance still pay up.
当失火和盗窃的保险费上升，那些真正需要保险的人仍会全部付清。
Having a smoke-free environment often saves money for bars and restaurant owners, reducing their risks of fire and consequently their insurance costs.
无烟环境通常为酒吧和餐馆业主节约资金，减少火灾风险并因而降低他们的保险费用。
In some cases, freelancers working at home may feel that their renter's insurance is enough to cover any losses from a catastrophe such as a fire or flood.
一些情况下，在家办公的自由设计者们觉得在发生洪水或火灾这样的灾难时，他们房东的保险已经足够。
This is not something that most business owners think about, but insurance companies know that extension cords and space heaters are major fire hazards.
大多数企业主都不会考虑到这点，但保险公司知道延长线和小型供热器是重大火灾隐患。
The whole city burned down, practically, in a terrible fire and fire insurance started to proliferate right after that in London.
整个城市被烧毁，实际上，一场可怕的大火在伦敦蔓延后火灾保险开始流行。
The plan is analogous to an insurer buying a house it provided fire insurance on, negating the need for an insurance policy on the home.
这个计划相当于一家保险公司买了由自己提供火灾保险的一幢房子，这样就用不着保险单了。
Few Europeans today could imagine a city without a public firefighting service, or a home without fire insurance.
时至今日，欧洲人已很难想象一座城市没有公共消防机构，或是一个家庭没有上火灾保险。
If you rent, get renter's insurance to protect the contents of your place from events like burglary or fire.
如果你租房住，要拿到房东买的保险以防止屋内的东西被窃或失火。
Insurance pools risks like life risks or fire risks by writing policies to individual policyholders.
保险业分散风险是通过，与个人签订保险合同，比如寿险合同，或者火险合同。
An insurance policy — the concept is very simple, we could talk about fire insurance or life insurance.
保单的概念其实很简单，我们可以谈谈火灾保险，或者人寿保险。
If a company were just a fire insurance company it would be a monoline insurance company.
如果一个公司仅提供火险，那它就是单线保险公司。
Automobile insurance is collision insurance; it used to be called fire insurance but now they've extended it to include so many other risks.
汽车保险是碰撞保险，住房保险homeowners insurance is—曾经被称为火灾保险，如今火险的可保风险已非常广泛。
In other words,someone who insured such bonds against default would have, on average, mademoney (conventional insurance companies, which insure against fire or theft,have not always done so well).
也就是对这类债券的拖债风险投保的人平均是盈利的（那些针对失火或者盗窃的传统保险公司却并非总做得这么好）。
Some people date fire insurance with the fire of London in 1666.
有些人将火险的历史追溯到，1666年的伦敦火灾。
He also founded the country's first subscription library and organized America's first fire-fighting and fire insurance companies.
他还成立了美国第一个收费图书馆，创立了美国第一个消防和火灾保险公司。
The classic example of moral hazard is with fire insurance.
道德风险的一个典型案例,就是火险。
A CDS works like a fire-insurance policy: the holder pays a regular premium, but if the house burns down there is a big payoff.
一个信用违约互换就象一张火灾保险单：持有人定期支付保险费，但是假如房屋被烧毁，就有一笔大额偿付。
But you know, you kind of wonder if that's a good example for fire insurance because if the whole city burns down, then insurance companies would go bankrupt anyway, right?
但是你也许会疑惑，对于阐述火险来说，这是不是个好例子，因为如果整个城市被烧毁，那么保险公司就会破产，对吧。
No wonder that many people decided to try fire insurance after that.
难怪很多人在其后决定试买火灾险。
I get fire insurance on my house and so I behave badly: I deliberately burn the house down to collect on my insurance.
我为我的房子投了火险，于是我就：，我故意烧毁房屋，以便领走保险金。
He took out a fire insurance policy for his house.
他参加房屋火灾保险。
When they invented fire insurance, in the 1600s, there was a lot of skepticism because anyone can burn down their house.
十七世纪时，人们发明了火险，当时存在很多质疑，因为任何人都可以烧毁他们的房子。
He also founded the country's first subscription library and organized America's first firefighting and fire insurance companies.
他还成立了美国第一个捐赠图书馆，创立了美国第一个消防和火灾保险公司。
Reporter: How would you distinguish "socialized" fire departments and "socialized" fire insurance companies? Or would you be in favor of socialized fire insurance also?
记者：你怎么区分“公费”消防署和“公费”火灾保险公司？或者你也支持公费火灾保险吗？
Reporter: How would you distinguish "socialized" fire departments and "socialized" fire insurance companies? Or would you be in favor of socialized fire insurance also?
记者：你怎么区分“公费”消防署和“公费”火灾保险公司？或者你也支持公费火灾保险吗？
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